/* ============================================================
   OWENS INSURANCE GROUP — shared stylesheet (Site v2)
   Palette: navy / gold / paper · Type: Playfair Display + Inter
   ============================================================ */

:root {
  --navy: #1B2B5B;
  --navy-deep: #131F44;
  --gold: #C8922A;
  --gold-light: #D9A847;
  --white: #ffffff;
  --paper: #FAF8F4;
  --ink: #1A1A1A;
  --muted: #5A5A5A;
  --rule: rgba(200, 146, 42, 0.25);
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }
body {
  font-family: 'Inter', sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  font-weight: 400;
}

h1, h2, h3, h4 {
  font-family: 'Playfair Display', serif;
  font-weight: 600;
  letter-spacing: -0.01em;
  line-height: 1.15;
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }

.container { max-width: 1180px; margin: 0 auto; padding: 0 32px; }

/* ===== NAVIGATION ===== */
nav.site-nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--navy);
  border-bottom: 1px solid rgba(200, 146, 42, 0.2);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 32px;
  max-width: 1280px;
  margin: 0 auto;
}
.nav-wordmark {
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  letter-spacing: 0.04em;
  line-height: 1;
  display: flex;
  align-items: baseline;
  gap: 12px;
  white-space: nowrap;
}
.nav-wordmark .owens { color: var(--gold); font-size: 25px; }
.nav-wordmark .ig {
  color: var(--white);
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  font-weight: 500;
}
.nav-links { display: flex; gap: 32px; align-items: center; }
.nav-links a {
  color: var(--gold-light);
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  transition: color 0.2s ease;
  padding: 6px 0;
  border-bottom: 2px solid transparent;
}
.nav-links a:hover { color: var(--white); }
.nav-links a.active {
  color: var(--white);
  border-bottom-color: var(--gold);
}
.nav-links a.nav-cta {
  background: linear-gradient(180deg, var(--gold-light), var(--gold));
  color: var(--navy);
  padding: 11px 26px;
  border-radius: 100px;
  font-weight: 700;
  font-size: 12px;
  letter-spacing: 0.08em;
  white-space: nowrap;
  border-bottom: none;
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.25), inset 0 1px 0 rgba(255, 255, 255, 0.35);
  transition: transform 0.2s ease, box-shadow 0.2s ease, filter 0.2s ease;
}
.nav-links a.nav-cta:hover {
  color: var(--navy);
  filter: brightness(1.06);
  transform: translateY(-1px);
  box-shadow: 0 6px 18px rgba(200, 146, 42, 0.45), inset 0 1px 0 rgba(255, 255, 255, 0.35);
}
.nav-toggle { display: none; }

/* ===== BUTTONS ===== */
.btn {
  display: inline-block;
  padding: 16px 36px;
  font-family: 'Inter', sans-serif;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  border-radius: 2px;
  transition: all 0.2s ease;
  cursor: pointer;
  border: none;
}
.btn-primary { background: var(--gold); color: var(--navy); }
.btn-primary:hover {
  background: var(--gold-light);
  transform: translateY(-1px);
  box-shadow: 0 8px 24px rgba(200, 146, 42, 0.3);
}
.btn-ghost { background: transparent; color: var(--navy); border: 1px solid var(--navy); }
.btn-ghost:hover { background: var(--navy); color: var(--white); }
.btn-ghost-light { background: transparent; color: var(--white); border: 1px solid rgba(255,255,255,0.35); }
.btn-ghost-light:hover { border-color: var(--gold); color: var(--gold-light); }

/* ===== HOME HERO ===== */
.hero {
  background: var(--white);
  color: var(--ink);
  padding: 96px 0 110px;
  position: relative;
  overflow: hidden;
  text-align: center;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 50% 0%, rgba(200, 146, 42, 0.06), transparent 55%),
    radial-gradient(circle at 50% 100%, rgba(27, 43, 91, 0.04), transparent 55%);
  pointer-events: none;
}
.hero-inner { position: relative; z-index: 2; display: flex; flex-direction: column; align-items: center; }
.hero-logo { width: clamp(250px, 30vw, 400px); height: auto; margin-bottom: 44px; }
.hero-tagline {
  font-family: 'Playfair Display', serif;
  font-style: italic;
  font-weight: 500;
  font-size: clamp(26px, 3.6vw, 44px);
  color: var(--navy);
  line-height: 1.3;
  max-width: 900px;
  margin-bottom: 48px;
}
.hero-tagline sup {
  font-size: 0.4em;
  vertical-align: top;
  margin-left: 4px;
  color: var(--gold);
  font-style: normal;
  font-weight: 600;
}
.hero-divider { width: 64px; height: 1px; background: var(--gold); margin: 0 auto 48px; }
.hero-ctas { display: flex; gap: 16px; flex-wrap: wrap; justify-content: center; }

/* ===== PAGE HERO (interior pages) ===== */
.page-hero {
  background: var(--navy);
  color: var(--white);
  padding: 88px 0 92px;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 15% 20%, rgba(200, 146, 42, 0.14), transparent 45%),
    radial-gradient(circle at 90% 90%, rgba(200, 146, 42, 0.08), transparent 50%);
  pointer-events: none;
}
.page-hero .container { position: relative; z-index: 2; }
.page-hero h1 {
  font-size: clamp(36px, 5vw, 58px);
  max-width: 860px;
  margin-bottom: 22px;
}
.page-hero .page-lede {
  font-size: 19px;
  color: rgba(255, 255, 255, 0.82);
  max-width: 720px;
  line-height: 1.65;
}
.breadcrumb {
  font-size: 12px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-light);
  font-weight: 600;
  margin-bottom: 26px;
  display: flex;
  gap: 10px;
  align-items: center;
}
.breadcrumb a:hover { color: var(--white); }
.breadcrumb .sep { color: rgba(255,255,255,0.35); }

/* ===== GOLD STRIP ===== */
.enroll-strip { background: var(--gold); color: var(--navy); padding: 22px 0; text-align: center; }
.enroll-strip-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 24px;
  flex-wrap: wrap;
  font-weight: 500;
}
.enroll-strip-label { font-family: 'Playfair Display', serif; font-size: 20px; font-style: italic; }
.enroll-strip a.strip-btn {
  background: var(--navy);
  color: var(--white);
  padding: 10px 24px;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  border-radius: 2px;
  transition: background 0.2s ease;
}
.enroll-strip a.strip-btn:hover { background: var(--navy-deep); }

/* ===== SECTIONS ===== */
section { padding: 100px 0; }
.section-kicker {
  color: var(--gold);
  font-size: 12px;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  font-weight: 600;
  margin-bottom: 20px;
  display: block;
}
.section-title { font-size: clamp(30px, 4.2vw, 48px); margin-bottom: 24px; max-width: 820px; color: var(--navy); }
.section-lede {
  font-size: 18px;
  color: var(--muted);
  max-width: 720px;
  line-height: 1.7;
  margin-bottom: 48px;
}
.section-dark { background: var(--navy); color: var(--white); }
.section-dark .section-title { color: var(--white); }
.section-dark .section-lede { color: rgba(255, 255, 255, 0.78); }
.section-dark .section-kicker { color: var(--gold-light); }
.section-paper { background: var(--paper); }
.gold-rule { width: 48px; height: 2px; background: var(--gold); margin-bottom: 28px; }

/* ===== CARD GRIDS ===== */
.pillar-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; margin-bottom: 48px; }
.pillar {
  background: var(--paper);
  padding: 40px 32px;
  border-top: 3px solid var(--gold);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.section-paper .pillar { background: var(--white); }
.pillar:hover { transform: translateY(-4px); box-shadow: 0 12px 40px rgba(27, 43, 91, 0.08); }
.pillar h3 { font-size: 22px; margin-bottom: 14px; color: var(--navy); }
.pillar p { color: var(--muted); font-size: 15px; line-height: 1.7; }
.pillar .pillar-link {
  display: inline-block;
  margin-top: 20px;
  color: var(--gold);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  transition: color 0.2s ease;
}
.pillar .pillar-link:hover { color: var(--navy); }
a.pillar-card-link { display: block; }

/* Two-column feature split */
.split { display: grid; grid-template-columns: 1.05fr 1fr; gap: 72px; align-items: center; }
.split-image { position: relative; aspect-ratio: 3 / 4; overflow: hidden; }
.split-image img { width: 100%; height: 100%; object-fit: cover; }
.split-image::after {
  content: '';
  position: absolute;
  inset: 0;
  border: 1px solid rgba(200, 146, 42, 0.3);
  pointer-events: none;
}
.split-caption {
  margin-top: 16px;
  font-family: 'Playfair Display', serif;
  font-style: italic;
  font-size: 14px;
  color: var(--gold-light);
  letter-spacing: 0.02em;
}
.section-light .split-caption { color: var(--gold); }

/* Stacked detail rows (used on service pages) */
.detail-rows { display: flex; flex-direction: column; gap: 0; }
.detail-row {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 48px;
  padding: 44px 0;
  border-top: 1px solid rgba(27, 43, 91, 0.12);
}
.detail-row:last-child { border-bottom: 1px solid rgba(27, 43, 91, 0.12); }
.detail-row h3 { font-size: 24px; color: var(--navy); }
.detail-row p { color: var(--muted); font-size: 16px; line-height: 1.75; margin-bottom: 14px; }
.detail-row p:last-child { margin-bottom: 0; }
.section-dark .detail-row { border-color: rgba(255,255,255,0.14); }
.section-dark .detail-row h3 { color: var(--white); }
.section-dark .detail-row p { color: rgba(255,255,255,0.75); }

/* Feature panel */
.feature-panel {
  background: var(--paper);
  padding: 44px;
  border-left: 3px solid var(--gold);
  margin: 56px 0;
}
.feature-panel h3 { font-size: 26px; color: var(--navy); margin-bottom: 14px; }
.feature-panel p { color: var(--muted); font-size: 16px; line-height: 1.75; margin-bottom: 14px; }
.feature-panel p:last-child { margin-bottom: 0; }

/* Prose blocks */
.prose { max-width: 820px; }
.prose p { font-size: 17px; line-height: 1.8; color: #2c2c2c; margin-bottom: 22px; }

/* Disclaimers */
.inline-disclaimer {
  font-size: 12px;
  color: var(--muted);
  line-height: 1.6;
  border-left: 2px solid var(--rule);
  padding: 10px 0 10px 16px;
  margin-top: 32px;
  font-style: italic;
  max-width: 820px;
}
.section-dark .inline-disclaimer { color: rgba(255,255,255,0.55); border-color: rgba(200,146,42,0.35); }

/* ===== ABOUT ===== */
.about-grid { display: grid; grid-template-columns: 1fr 1.1fr; gap: 80px; align-items: center; }
.about-image { aspect-ratio: 3 / 4; overflow: hidden; position: relative; }
.about-image img { width: 100%; height: 100%; object-fit: cover; }
.about-image::after {
  content: '';
  position: absolute;
  inset: 0;
  border: 1px solid rgba(200, 146, 42, 0.4);
  pointer-events: none;
}
.about-content h2 { margin-bottom: 8px; }
.about-role {
  font-family: 'Playfair Display', serif;
  font-style: italic;
  color: var(--gold);
  font-size: 18px;
  margin-bottom: 32px;
}
.about-bio { font-size: 17px; line-height: 1.8; color: #2c2c2c; }
.about-bio::first-letter {
  font-family: 'Playfair Display', serif;
  font-size: 64px;
  float: left;
  line-height: 0.9;
  padding: 6px 14px 0 0;
  color: var(--gold);
  font-weight: 600;
}

/* ===== CTA BLOCK ===== */
.cta-block {
  background: var(--navy);
  color: var(--white);
  text-align: center;
  padding: 100px 32px;
  position: relative;
  overflow: hidden;
}
.cta-block::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 30% 50%, rgba(200, 146, 42, 0.15), transparent 50%),
    radial-gradient(circle at 70% 50%, rgba(200, 146, 42, 0.1), transparent 50%);
}
.cta-block-inner { position: relative; z-index: 2; max-width: 760px; margin: 0 auto; }
.cta-block h2 { font-size: clamp(32px, 4.6vw, 48px); margin-bottom: 20px; }
.cta-block p { font-size: 18px; color: rgba(255, 255, 255, 0.8); margin-bottom: 40px; }

/* ===== CONTACT / FORMS ===== */
.contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 80px; align-items: start; }
.contact-info dt {
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.2em;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: 6px;
}
.contact-info dd {
  font-family: 'Playfair Display', serif;
  font-size: 22px;
  color: var(--navy);
  margin-bottom: 28px;
}
.contact-info dd a:hover { color: var(--gold); }

form { display: grid; gap: 18px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
label {
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
  display: block;
}
input, textarea {
  width: 100%;
  border: 1px solid rgba(27, 43, 91, 0.15);
  background: var(--paper);
  padding: 14px 16px;
  font-family: 'Inter', sans-serif;
  font-size: 15px;
  color: var(--ink);
  border-radius: 2px;
  transition: border-color 0.2s ease, background 0.2s ease;
}
input:focus, textarea:focus { outline: none; border-color: var(--gold); background: var(--white); }
textarea { resize: vertical; min-height: 130px; }
form button { justify-self: start; margin-top: 8px; }

/* ===== FOOTER ===== */
footer {
  background: var(--navy-deep);
  color: rgba(255, 255, 255, 0.7);
  padding: 72px 0 36px;
  font-size: 13px;
  line-height: 1.7;
}
.footer-grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr; gap: 56px; margin-bottom: 56px; }
.footer-wordmark {
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  letter-spacing: 0.04em;
  line-height: 1;
  margin-bottom: 8px;
  display: flex;
  align-items: baseline;
  gap: 14px;
  flex-wrap: wrap;
}
.footer-wordmark .owens { color: var(--gold); font-size: 26px; }
.footer-wordmark .ig {
  color: var(--white);
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  font-weight: 500;
}
.footer-tagline {
  font-family: 'Playfair Display', serif;
  font-style: italic;
  font-size: 16px;
  color: var(--gold-light);
  margin: 16px 0 18px;
}
.footer-tagline sup { font-size: 0.55em; vertical-align: top; margin-left: 2px; font-style: normal; }
footer h4 {
  font-family: 'Inter', sans-serif;
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.2em;
  color: var(--gold);
  margin-bottom: 18px;
  font-weight: 600;
}
footer ul { list-style: none; }
footer li { margin-bottom: 10px; }
footer a:hover { color: var(--gold-light); }
.footer-compliance {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 32px;
  font-size: 12px;
  line-height: 1.65;
  color: rgba(255, 255, 255, 0.55);
}
.footer-compliance p { margin-bottom: 14px; }
.footer-compliance .npn-block { color: rgba(255, 255, 255, 0.75); margin-bottom: 18px; font-weight: 500; }
.footer-bottom {
  margin-top: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
  color: rgba(255, 255, 255, 0.45);
  font-size: 11px;
}

/* ===== REVEAL ANIMATIONS ===== */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.8s ease, transform 0.8s ease;
}
.reveal.in { opacity: 1; transform: translateY(0); }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
}

/* ===== RESPONSIVE ===== */
@media (max-width: 900px) {
  section { padding: 76px 0; }
  .page-hero { padding: 64px 0 70px; }
  .nav-links {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--navy);
    flex-direction: column;
    padding: 24px 32px;
    gap: 20px;
    display: none;
    border-bottom: 1px solid rgba(200, 146, 42, 0.2);
  }
  .nav-links.open { display: flex; }
  .nav-toggle {
    display: flex;
    flex-direction: column;
    gap: 5px;
    background: transparent;
    border: none;
    cursor: pointer;
    padding: 8px;
  }
  .nav-toggle span { width: 24px; height: 2px; background: var(--gold); display: block; }
  .nav-wordmark { font-size: 18px; }
  .nav-wordmark .ig { font-size: 10px; letter-spacing: 0.25em; }
  .hero { padding: 56px 0 72px; }
  .pillar-grid { grid-template-columns: 1fr; gap: 20px; }
  .split, .about-grid, .contact-grid { grid-template-columns: 1fr; gap: 48px; }
  .split-image, .about-image { aspect-ratio: 4 / 5; max-width: 500px; }
  .detail-row { grid-template-columns: 1fr; gap: 14px; padding: 36px 0; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 40px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
}

@media (max-width: 520px) {
  .nav-wordmark .ig { display: none; }
  .feature-panel { padding: 32px 24px; }
}